Robotization and artificial intelligence are revolutionising the insurance industry. Two experts from Natixis Assurances, Karim Zemouli , director of the innovation and customer experience department in non-life insurance, and Philippe Pinault, director of strategy and business model transformation in life and health insurance, present their solutions.
A central tool for adapting the underwriting process to new requirements
L é a , for " L'Epargne Active", is a robo -advisor. Since the summer of 2018, this digital tool has been supporting relationship managers in the Banques Populaires and Caisses d'Epargne networks through the advisory customer journey for financial savings products. We are working with fintech Gambit to adapt and digitize the discover y phase for the needs and financial situation of the client , his personal projects and risk appetite, prior to the underwriting phase, while complying with regulatory requirements in terms of advisory duties," explains Philippe Pinault. This tool, which is shared with Natixis' asset management business, is already in production to offer an asset allocation that will be defined by an algorithm based on all this information. All this is the result of a major specification work with the supplier, drawing on Natixis' financial management skills and asset management product ranges. »
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